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Payment Pending on Cash App: What it Means and What to Expect Next

Last Updated Jan 2, 2023
waiting to pay

Unlike most other financial institutions, you can usually access your funds on Cash App immediately. However, some things can get in the way of this immediate retrieval.

If your payment is pending on Cash App, one of the parties needs to take action to complete the process. There could be something wrong with your account information that you need to resolve.

Please continue reading to learn everything you need about payment pending on Cash App. We will teach you everything you can expect when you encounter this problem.

What Does Payment Pending Mean on Cash App

A pending payment happens when funds are between two transaction points, but neither party has access to the money.

You cannot pay for things with pending funds.

Payment pending means that someone needs to approve the funds. If someone sends you money on Cash App, you need to click the green check mark to accept the money into your Cash App account.

If you don’t receive your Cash App funds immediately, you should check the app activity feed to see what information is needed.

If you approve the payments but they’re still pending, you’ll need to contact Cash App customer support for further help.

How Long Does a Pending Payment Take to Send

Most Cash App payments are available as soon as they’re sent.

However, if you don’t receive the money immediately, someone needs to approve the funds or update their information.

After you update your account information, you should have no problem receiving your pending payment after clicking the green check mark.

If you have a pending payment on Cash App, it means the other party has not received their money.

You won’t lose your money until the other person approves the payment.

You can find the pending transaction in your activity feed and cancel it if it’s still pending.

However, once the transaction is complete, you’ll need to request a refund from the recipient to get your money back.

What Happens When Funds are Unavailable

Cash App usually doesn’t allow you to process transactions if you don’t have funds available.

However, if you’re at a restaurant and tip more money than you have available on Cash App, it will overdraft.

Fortunately, unlike other banking institutions, you don’t have to worry about overdraft fees when you use Cash App.

In addition, whenever your account is negative, Cash App won’t let you spend more money.

The recipient of your funds still receives their money when you overdraft your Cash App account.

This is because Cash App only puts a hold on your account and doesn’t affect your recipient.

Understanding that you don’t have to worry about overdraft fees can be a huge relief when you’re used to regular banks.

However, other financial institutions can charge you up to $75 when you overdraft.

Aspects that Affect Pending Payments

Since finances get transferred between multiple people, several things can affect your pending payments on Cash App.

Pay attention to the following situations to understand why your payments are pending on Cash App.

Risky Behavior

Unfortunately, online scams are a huge problem when using online banking websites like Cash App.

Scammers have an easy time using these types of applications.

If Cash App detects suspicious behavior on your account, it’ll block transactions so scammers can’t steal your money.

If Cash App blocks your account because of suspicious activity or risky behavior, you need to contact them for support.

They will unlock your account when the information is secure.

When Someone Accepts the Transaction

If someone isn’t accepting your funds, you could have pending transactions on Cash App.

People new to the platform might not realize that they need to accept funds before receiving them.

If you’re trying to send money to a friend, it would be best to teach them about Cash App so that they can accept your money and dismiss the pending transaction.

Lack of Account Information

You need to set up your Cash App account before you can process any transactions. Follow these steps to get your Cash App account started.

  1. Add your phone number and e-mail address to your profile in the required fields
  2. Verify your account by typing in the code sent to your e-mail or phone
  3. Link your bank account to Cash App

After you update your account, you can exchange funds with others on the platform.

Final Thoughts

You’ll receive most Cash App transactions as soon as they occur. Cash App is much quicker than other financial institutions regarding receiving money.

However, if there’s something wrong with your account, you won’t be able to accept the funds until you resolve the problem.

Verify your account information with your phone number or e-mail address so you can send money to others on Cash App.